Industry expertise
Business Loans for Cleaning Services
Cleaning companies pay staff every week while commercial clients pay on 30- or 60-day terms, and TrustFi helps close that gap so payroll never depends on someone else's invoice cycle.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how cleaning services actually run
A cleaning company's biggest cost is people, and people expect to be paid weekly whether or not your commercial clients have. Winning a new janitorial contract usually means hiring and training a crew, buying floor buffers or extractors, and stocking bulk chemicals and paper products before that account generates a single dollar of revenue. Add in janitorial bonding and liability insurance, plus the reality that many property managers and facility clients pay on 30- to 60-day terms, and even a growing, profitable cleaning business can find itself short on cash in a given month.
TrustFi structures funding around that timing mismatch. That might mean a line of credit to bridge payroll between pay periods, factoring a slow-paying commercial invoice into cash today, or a quick advance to staff up for a contract that starts next month. The application takes under 10 minutes, applying does not impact your credit score, and there are no hidden fees to untangle later. With a 2-hour response guarantee, you get an answer fast enough to actually plan around it.
What we hear
The cash-flow pressures you know too well
Payroll runs weekly, client invoices don't
Labor is the majority of a cleaning company's cost structure, and staff expect to be paid on a weekly or biweekly cycle. Commercial and property-management clients routinely pay on 30- to 60-day terms, leaving a persistent gap between what goes out and what comes in.
New contracts require upfront staffing and gear
Winning a large commercial or janitorial contract means hiring and training a crew and buying equipment like floor buffers or carpet extractors before the account bills its first invoice, putting real cost ahead of any revenue from the win.
Bulk supplies and bonding costs
Chemicals, paper products, and cleaning equipment are typically bought in bulk to keep per-unit costs down, and janitorial bonding plus liability insurance are ongoing requirements for commercial contracts. Both hit your budget outside of any single client's payment cycle.
High staff turnover means constant recruiting costs
Cleaning services often see higher-than-average staff turnover, which means recruiting, background checks, and training are recurring costs rather than one-time expenses, adding pressure on cash flow even when your client roster is stable.
Where the money goes
What cleaning services use funding for
- Buying additional floor buffers or carpet extractors
- Purchasing a fleet van for a new service contract
- Stocking bulk cleaning chemicals and paper supplies
- Hiring and training a crew for a new commercial account
- Covering payroll while a net-60 invoice is outstanding
- Expanding into medical or industrial cleaning contracts
Our recommendation
Funding options that fit cleaning services
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Business Line of Credit
Draw funds to cover payroll gaps between pay periods and client payments, then repay as invoices clear, paying interest only on the amount you actually use.
How it works - Option 2
Invoice Factoring
Turn slow-paying commercial or property-management invoices into cash now instead of waiting 30 to 60 days, so weekly payroll doesn't depend on someone else's billing cycle.
How it works - Option 3
Merchant Cash Advance
For cleaning businesses with steady card-based payments from residential or small-business clients, an advance repaid through daily sales can fund a new contract's startup costs quickly.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
How can I cover payroll while waiting on a slow-paying commercial client?
A business line of credit or invoice factoring both help here. A line of credit lets you draw what payroll requires and repay as revenue comes in, while factoring converts an outstanding invoice into cash right away instead of waiting out a 30- or 60-day payment term from a property manager or facility client.
Can I get funding to staff up for a new contract before it starts billing?
Yes. Cleaning companies commonly use short-term funding to hire and train a crew, buy equipment, and stock supplies ahead of a new contract's start date. Structuring that cost as financing means you're not draining working capital before the account has generated a single invoice.
How fast can a cleaning business get approved for funding?
The application takes under 10 minutes, and TrustFi backs every submission with a 2-hour response guarantee. Many cleaning businesses see funding in as little as 24 hours once approved, which matters when a new contract's start date is fixed and staffing can't wait on a bank's timeline.
Will applying for funding affect my credit score?
No. Applying with TrustFi does not impact your credit score. You can review what your cleaning business qualifies for and compare terms before deciding whether to move forward, with no risk to your personal or business credit standing in the process.
Are there hidden fees in a cleaning business loan?
No. TrustFi lays out costs clearly before you sign anything, so there are no hidden fees buried in fine print. You'll know exactly what a line of credit, factoring arrangement, or advance costs before committing, so you can weigh it against what a new contract is actually worth.
What can cleaning business funding be used for?
TrustFi funding covers payroll during slow-paying stretches, equipment like buffers and extractors, bulk chemical and supply purchases, crew hiring and training for new contracts, bonding and insurance costs, and expansion into new service verticals like medical or industrial cleaning, whatever gap sits between winning an account and getting paid for it.
Funding for cleaning services, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees